Welcome benefit:Users will get a Club Marriott annual membership and Taj stays voucher worth Rs 5000 on spends of Rs Rs 1.5 Lakhs within the first 90 days. Users can avail up to 20% discounts for dining, stay & spa service with Club Marriott membership across Asia–Pacific region.
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HDFC Biz Black Metal Edition Credit Card
Rewards & Benefits
Welcome Benefits
Welcome benefit:Users will get a Club Marriott annual membership and Taj stays voucher worth Rs 5000 on spends of Rs Rs 1.5 Lakhs within the first 90 days. Users can avail up to 20% discounts for dining, stay & spa service with Club Marriott membership across Asia–Pacific region.
Milestone Benefits
Milestone benefit:Users will get a SmartBuy flight/Taj stay voucher worth Rs 5000 for every Rs Rs 5 Lakhs spent. (All retail spends excluding rent and petrol) and will get vouchers worth Rs 20,000 in a calendar year for every Rs Rs 20 Lakhs spent.
Cashback Rate
Reward System: 1 reward point = Upto Rs. 1.
5% cashback on selected business spends such as (a) Bill payment via Payzapp & SmartPay, (b) Income Tax/ Advance tax payment via eportal.incometax.gov.in, (c) GST payment via payment.gst.gov.in, (d) hotel & flight booking on MMT MyBiz by SmartBuy BizDeals, (e) business productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei.
5X Reward Points applicable on minimum spends INR 50,000 in statement cycle.
A minimum of 2500 RP is needed to redeem reward points against the statement balance.
Movie Benefits
None.
Dining Benefits
Dining benefits:Users can get up to 10% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.
Other Benefits
Users can save up to 40% on business travel and software purchases onsmartbuy.hdfcbank.com/business.; Small Medium Enterprise (SME):Users can avail special offers on business productivity tools, HR Solutions & more.; Users can availbusiness insurance packagestarting at an annual premium of Rs 3,785.; Golf gamesbenefit:Users will get 6 complimentary Golf games per quarter along with 24x7 booking assistance. Users will have 24-hour access to Golf Concierge assistance services for booking/cancellation.; Global personal concierge (24 X 7)
Lounge Access
Lounge benefit: Users will get unlimited airport lounge access to 1000+ lounges globally and domestically.
Rewards & Benefits
Welcome Benefits
Welcome benefit:Users will get a Club Marriott annual membership and Taj stays voucher worth Rs 5000 on spends of Rs Rs 1.5 Lakhs within the first 90 days. Users can avail up to 20% discounts for dining, stay & spa service with Club Marriott membership across Asia–Pacific region.
Milestone Benefits
Milestone benefit:Users will get a SmartBuy flight/Taj stay voucher worth Rs 5000 for every Rs Rs 5 Lakhs spent. (All retail spends excluding rent and petrol) and will get vouchers worth Rs 20,000 in a calendar year for every Rs Rs 20 Lakhs spent.
Cashback Rate
Reward System: 1 reward point = Upto Rs. 1.
5% cashback on selected business spends such as (a) Bill payment via Payzapp & SmartPay, (b) Income Tax/ Advance tax payment via eportal.incometax.gov.in, (c) GST payment via payment.gst.gov.in, (d) hotel & flight booking on MMT MyBiz by SmartBuy BizDeals, (e) business productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei.
5X Reward Points applicable on minimum spends INR 50,000 in statement cycle.
A minimum of 2500 RP is needed to redeem reward points against the statement balance.
Movie Benefits
None.
Dining Benefits
Dining benefits:Users can get up to 10% savings on all restaurant bill payments with Swiggy Dineout on paying via the Swiggy App.
Other Benefits
Users can save up to 40% on business travel and software purchases onsmartbuy.hdfcbank.com/business.; Small Medium Enterprise (SME):Users can avail special offers on business productivity tools, HR Solutions & more.; Users can availbusiness insurance packagestarting at an annual premium of Rs 3,785.; Golf gamesbenefit:Users will get 6 complimentary Golf games per quarter along with 24x7 booking assistance. Users will have 24-hour access to Golf Concierge assistance services for booking/cancellation.; Global personal concierge (24 X 7)
Lounge Access
Lounge benefit: Users will get unlimited airport lounge access to 1000+ lounges globally and domestically.
Fees & Charges
Joining Fee
INR 10,000/- plus taxes.
Annual Fee
INR 10,000/- plus taxes.
Cash Advance Fee
Cash advance fee:2.5% or INR 500 whichever is higher.
Interest rate
Interest rate: 1.99% monthly, 23.88% annually.
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 2%.
Other Fees
Fuel surcharge:NA | Reward redemption fee: NA
Fees & Charges
Joining Fee
INR 10,000/- plus taxes.
Annual Fee
INR 10,000/- plus taxes.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest rate: 1.99% monthly, 23.88% annually.
Late Payment Fee
Late payment charges:INR 100 to 1300.
Foreign Currency Transactions Fee
Foreign currency markup: 2%.
Other Fees
Fuel surcharge:NA | Reward redemption fee: NA
Special Features
Low interest rate.
No reward redemption fee.
Low International Forex markup.
No fuel surcharge.
Eligibility Criteria
The applicant must be a self-employed Indian citizen.
The applicant must be aged between 21 yrs. to 65 Years.
The applicant must have an ITR above INR 21 Lakhs.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
1. Online Application:
Visit the HDFC Bank website: https://applyonline.hdfcbank.com/cards/credit-cards.html
Select the Biz Black Metal Edition Credit Card option.
Provide the required personal and financial information.
Upload necessary documents.
Submit the application.
2. Visit HDFC Bank Branch:
Visit your nearest HDFC Bank branch.
Request an application form for the Biz Black Metal Edition Credit Card.
Fill in the required details and submit it along with the necessary documents.
Contact Details
Toll-Free: 1800 202 6161\ 1860 267 6161
Email: customerservices.cards@hdfcbank.com
Account Opening and Procedure
The card is loaded with features and is a premium credit card. The only con with the card is that the eligibility threshold is quite high at INR 21 lakh income per annum.
The card is loaded with features and is a premium credit card. The only con with the card is that the eligibility threshold is quite high at INR 21 lakh income per annum.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai